FBI TO HACKING VICTIMS: Lock down your bank accounts

The hackers who obtained Michelle Obama's financial records -- along with some of the biggest celebs in the world -- aren't just seeking recognition ... law enforcement sources tell TMZ they have been "using" the credit information. The FBI is warning celebrity hacking victims to put safeguards on their bank accounts NOW ... before the hackers rob them blind ... TMZ has learned.

Sources close to several of the targeted celebs -- which include Mel Gibson, Hulk Hogan, Kim Kardashian, and Beyonce -- tell us FBI agents have advised them to contact their financial institutions to slap fraud alerts on their accounts immediately.

We're told the fraud alert ensures the bank will contact the account holder anytime someone accesses the funds. The celebs are then expected to immediately contact the FBI. Our sources would not be specific on how the information has been used, but it could involve access and withdrawal of money. As we previously reported, the hackers have obtained personal banking information as well as social security numbers and that could be enough to obtain withdrawals of cash.

The only good news for at least two of the celebs is we're told the FBI said no money has been stolen. Yet.

Our sources also make it clear ... the FBI knew about the hackers before they made themselves public. We're told, "The investigation did NOT start yesterday."

source 1, 2

third time's a charm, mods?
too bad nothing juicy is coming of this, no matter how much it sucks